How SplitMonX Works
From the moment your friends order appetizers to the final settlement bank transfer, here is how SplitMonX removes financial friction every step of the way.
Create Your Group & Set Currency
Start by creating a group for your trip, household, or event. Choose from 8 international currencies (PKR, USD, EUR, GBP, INR, AED, CAD, AUD) to ensure consistent accounting across all members.
Log Expenses or Scan Receipts
Enter expenses manually with Equal or Itemized splitting, or snap a photo of the bill. Our on-device Google ML Kit OCR scanner automatically detects totals, dates, and categories in seconds.
Monitor Real-Time Net Balances
As expenses are recorded, SplitMonX continuously computes each person's exact net balance (credits minus debits). Positive numbers mean you are owed money; negative numbers mean you owe money.
Collapse Debts with Min-Cash-Flow
Instead of everyone paying everyone back in confusing loops, SplitMonX runs a Greedy Min-Cash-Flow bipartite graph reduction. It automatically reduces 10+ cross-debts down to 2 or 3 clean transfers.
Settle Up with Confidence
Record full or partial settlements with optional payment notes (e.g., 'Bank Transfer Ref #1234'). Send gentle push reminders with a mandatory 24-hour cooldown to keep communication friendly.
Ready to try it with your friends?
Get the APK today and say goodbye to spreadsheet headaches and confusing IOU notes.